Planning is the Key to Financial Success

As we go through life, we pass through several stages that require different financial means.  As an example, a young couple with several children have different requirements/needs than does a couple with no children or a couple in retirement.  That is why long-term planning is essential.  The three basic wealth life cycles most people go through in life include:

  • Wealth accumulation –  this is the time in life where we build a solid foundation from which to grow.
  • Wealth conservation – this is the time in life where we have built our foundation and now we focus on maintaining our wealth so to ensure we can meet our needs and expenses in retirement.
  • Wealth distribution – this is the time in life where we ensure we have the proper allocation of assets to heirs.  With good estate planning, we can help with an orderly transfer of assets while avoiding unnecessary tax burdens.

The Cassandra Financial Group Advantage

As financial advisors, we possess the necessary tools to guide you through every step of the financial planning process, including:

  • We will help you define specific financial goals by analyzing in depth your income, assets verse liabilities, current portfolio, risk tolerance and investment time horizon.
  • We offer many different flexible account options, which include traditional accounts to a variety of fee based alternatives that feature low or no transaction costs.
  • We have access to real-time market data, research reports and other economic information.
  • We have access to proprietary software to produce a complete financial plan using asset allocation and investment diversification, as well as how much money and time may be needed to accumulate your specific requirements.
  • We offer you a variety of investment alternatives and services to meet your needs – retirement accounts, education, tax and estate planning, brokerage accounts, CD’s, insurance, annuities, trust services, asset management and banking services.
  • We will work with all you other professional advisors, such as attorneys and tax specialists, to help ensure coordination in all areas of your financial life
  • We will meet with you on a regular basis to evaluate the performance of your investments and to make sure that they’re in line with your goals

Don’t Wait

Have you ever heard the saying; “Don’t put off till tomorrow, what you can do today”.  This is especially true when it comes to meeting your financial goals.  The earlier in life that your plan begins, the greater the potential exists to meet your goals.  The decision to begin the financial planning process should not be taken lightly, nor should it be put off. The earlier your plan begins, the greater the potential for rewards.

* In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part II as well as the client agreement.
Diversification does not guarantee a profit or protect against losses. Investing involves risks including the potential for loss of capital.